The Wingham Advance-Times, 1985-03-20, Page 78No - The Fatten Edition. Week of March 20, 1985
120 Alicia n St., Walkerton
Neil Kirstine
Tony Schonstrom
John Schonstrom
Bill Zettel
OFFICE 081-2531
366-2320
364-1905
881-2606
881-2906
WE CAN MEET YOUR NEEDS
If You Are Thinking of BUYING or SELLING
Call Our Office or One Of The Above Agents
Specializing in:
AGRICULTURAL, RESIDENTIAL & RECREATIONAL
I1luitiplc Listing Service
PRIME -COATING
FOR
Agricultural Buildings
•STOPS RUST •NEUTRALIZES ROST_ „
Adds 10 years to life of steel buildings
• Paint can be applied over this product at a later date
with no priming
OTHER SERVICES
*Home Insulation *Sandblasting •Air Hammering
•Airless Spray Painting •Metal Roof Coating
W. Adamson
LUCKNOW CONTRACTING LIMITED
528-2113
Selecting alfalfa variety ...
from polge 8a
ering sage three to four days, later than
Flemish varieties and are less/responsive to
temperature, causing a slower regrowth.
Despite these characteristics that limit yearly
forage yields, they are beneficial in maintain-
ing stand longevity.
Medium maturities, go into fall dormancy
sooner in Septen ,fiber, than early varieties,
switching from top growth production to
storing food reserves in the mot. The lower
crown placement of these varieties provides
better protection from freezing winter temp-
eratures. Growers generally expect
medium maturity varieties to three to
four years of high quality forage production.
Although definite genetic differences exist
between early and medium maturity alfalfas,
growers shouldn't overlook the importance of
intensively managing eatlh one, stresses
Sagriff. Without proper harvest schedules,
timeliness of rotting, fertilization, (especially
potash), and adherence to critical fall harvest
dates, the characteristic difference will have
little effect on the productivity of forage
programs.
What cies the creditor expect?
from page 16a
Commercial cattle: 300 chaedlais crossed
yearling heifers, medium quality, weighing
750 ,lbs., market date September 85 at 80
cents per lb. - 200;000; present value 300 x
750., x .822 cents - 184,500.
The banks are asking in some cases for
verification of numbers , and value on
commercial livestock farms. This means
paying someone to certify that they have
oounted,a given number of each type and size
of livesdr on your farm as well as a value
thereon. This could be costly. Until you are
asked for such a verification would it not be
more revealing to include the above detail
rather than just"livestock -
$184,500"? The banker *Quid then know why
yourlivestodc were worth more or less per
animal or pound than normal and when you
expect each group ready for market. With this
kind of information, the creditor can then help
a farmer plant and schedule repayment dates
and borrowing limits.
Buildings
They should each be described as to
dimension, construction material inside and
out, age, condition and useful life. They
should be thoroughly described as to
stabling, if relevant, as well as the age,
condition, etc. of all equipment attached to
the buildings, i.e. gutter cleaners and venti-
lation equipment. Pictures of the inside and
outside attached to the description would be
big a Big "asset" to any presentation. Heat
estate firms have cameras with wide angle
lenses that take excellent pictures of the
inside of buildings.
AGR FARMS Ltd
0
Specialists in
AGRICULTURAL
..CHEMICALS
Farmers good weed control doesn't COST it PAYS
When it comestomaking decisions on crop .sprays,
what product?, tank mixes?, crop injury, timing,
etc.?? it PAYS to deal with someone who SPECIALIZES
in the business.
Aarf & Greta De Vos
RR 1 . Bluevalle, Ontario
335-3093
More than the "PRICE. IS RIGHT" at AGRE FARMS
Certified by CACA
Machinery
The name, make, model and even year of
machinery or equipment can have widely
different values due to use, abuse, age,
repairs and options. Again, in order to justify
the value you have given an asset, some
description should be provided along with a
word or two on useful life or adequacy for
your future operation. With such a descrip-
tion the creditor can at least intelligently talk
to the local machinery dealer rather than just
slashing your value because it is above
anything he has seen lately`for the same make
and model. Again, if you are a camera buff,
pictures of your major pieces of equipment
may add the finishing touches to your credit
application.
The business person must justify values.
Each item of equipment and machinery
should include the make, model, age and
condition, i.e.: John Deere 4430, 135 H.P.
bought in 19--, completely rebuilt motor
including cam shaft at 4,400 hours, present
hours 4,670, new deep tread Firestone rear
tires this spring costing $2,500, duals and
extra fuel tank and cab, excellent shape and"
quite adequate for 5 years.
The detail demanded by creditors in the
future for a line of credit will startle many a
farmer. However,. we as farmers are not as
good customers as we used to be. land
inflation in the recent past covered up many a
mistake of both the farmer and the aeditor.
Palling land values coupled with low net farm
incomes and harassment of creditors by farm
groups have all contributed to the need to
improve our resenation.
tum to page 19a
STARLINE
Star-trac Ring Drive Silo Uploaders
Roller Mills and Rotaspreaders
Conveyors And Feeders
JM Equipment
Market Wagons
PATZ
Silo Unloaders
Stable Cleaners
Conveyors And Feeders
PARTS AND SERVICE
FOR
Bauman Mfg. Co. Chain and Hog Peens
Beatty Parts
Bruns Feed Carts
Belt lacing
Belts and Bearings
GILCHRIST
FARM SUPPLY
R R. 5, I UCKNOW
ONTARIO NOG 2H0
519-395-2851